Second opinion

A second opinion involves approaching a care provider other than the care provider from which you are being treated for a diagnosis or advice.


The other care provider will be operating in the same field as the original care provider. If you decide to obtain a second opinion, you will continue to be treated by your original care provider.

Referral required

You need a referral from your general practitioner or attending physician. The referral will remain valid for a period of twelve months, commencing on the day the referral was issued.

Reimbursement second opinion

Under HollandZorg public healthcare insurance, you will qualify for reimbursement for a second opinion.
Public Healthcare Insurance Reimbursement
HollandZorg public healthcare insurance 100%

Statutory personal contribution

No statutory personal contribution will apply for a second opinion unless a statutory personal contribution applies for the care. In this situation, a statutory personal contribution will apply for the second opinion too.

Policy excess

Are you 18 or older? The costs of a second opinion will count towards the policy excess if the policy excess applies for the care in question too. If there is no policy excess for the care, there will be no policy excess for the second opinion either.

Who may provide this type of care?

You will be able to receive a second opinion from a care provider who is operating in the same field as the care provider from which you are receiving treatment.

Please note:

The information on this page is a brief outline of the reimbursements. No rights can be derived from this page. You can only derive rights from our insurance conditions.

Your health insurance

In My HollandZorg you will find all information about your health insurance policy. 

Maximum rates for a non-contracted care provider

Have you chosen a healthcare provider with whom we have no contract? Then, we will reimburse according to our maximum rates. If the rate invoiced by the non-contracted care provider is higher than our maximum rates, you will have to pay the difference yourself. You will be able to find contracted care providers with our Care finder.

Reimbursements, conditions and regulations 2023